How does smart city building affect bank risk-taking?

Ning Ye

doi:10.47297/wspdecWSP2515-797315.20250901

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How does smart city building affect bank risk-taking?

Volume 9, Issue 1

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How does smart city building affect bank risk-taking?
How does smart city building affect bank risk-taking?
Huazhong University of Science and Technology
Vol. 9, Issue 1, Pages: 76-81(2025)
Published：21 January 2025
DOI：10.47297/wspdecWSP2515-797315.20250901
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Ning Ye.How does smart city building affect bank risk-taking?[J].Development Economics of China,2025,09(01):76-81.
DOI：

Ning Ye.How does smart city building affect bank risk-taking?[J].Development Economics of China,2025,09(01):76-81. DOI： 10.47297/wspdecWSP2515-797315.20250901.

摘要

Abstract

The smart city pilot work opened in 2012 has had a profound impact on the intelligence of bank risk management. This paper uses city as well as bank-level panel data from 2010-2023 to build a multi-temporal DID model to analyze the impact of smart city construction on bank risk-taking. The benchmark regression illustrates that smart city construction can significantly reduce bank risk-taking. This conclusion still holds after a series of robustness tests. The mechanism analysis shows that smart city construction effectively suppresses bank risk-taking by improving bank operational efficiency and reducing bank loan concentration. This study can provide an important reference for the government to formulate effective financial policies and economic interventions in the context of smart city construction.

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references

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